WHICH CREDITS WILL REDUCE MY TAXES AND GIVE ME MONEY BACK?

Non-refundable credits like the Child Tax Credit,  Dependent Care Credit, Savers Credit, Lifetime Learning Credit, etc., reduce your taxes. You don't get a refund from them. Refundable credits like the Earned Income Credit, the Child Tax Credit (portions), American Opportunity Credit (portions), etc., reduce your tax and can also give you a refund. Use refundable credits before non-refundable credits or deductions to minimize your taxes.